The best insurers for SR-22 auto coverage

Slideshow December 12, 2023 at 07:44 AM
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Drivers who engage in reckless behavior behind the wheel may find themselves required to file an SR-22. An SR-22 is a form that a driver must submit to their state if they are convicted of a DUI or DWI, or rack up too many at-fault accidents or traffic violations. This form proves to the state that they have the minimum required insurance coverage for their vehicle. The cost of filing this form is minimal -- $15 to $50, depending on the state – but drivers who have these kinds of marks on their record will see increased insurance rates because of their risky driving habits, and may have a difficult time finding an insurer who will cover them at all. When shopping for auto insurance as a SR-22 driver, Compare.com offers the following tips:
  • Determine the type of coverage you need, and eliminate policy add-ons or lower your policy limits to save money.
  • Outside of your coverage itself, consider what other features you want from your insurance company. This could include things like being able to manage your policy through a mobile app, or having access to a local agent.
  • Consider raising your deductible in order to lower your premium. Before doing this, however, a driver should ensure they have the funds to pay the higher deductible if they file a claim.
  • Taking a safe driving course will not only help make someone a more careful driver, but many companies offer discounts for those who take these courses.
  • More expensive cars cost more to insure, so those facing high rates due to their driving record could be well-served to switch to a less-expensive vehicle to drop the cost of their auto coverage.
  • Choosing a pay-per-mile policy in which the driver pays a flat premium, then an additional rate based on the number of miles they drive that month, could be a cost-saving option for those who don't drive often.
In the slideshow above, we'll look at the auto insurance companies Compare.com ranks as the best for drivers looking for SR-22 insurance.

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